Smile
Smile API provides consent-driven employment and income verification services for credit decisioning, credit scoring, KYC, fraud prevention, and pre‑employment screening in the Philippines. It offers APIs for real‑time risk assessment, digital onboarding, document processing, and seamless integration with lending, financing, recruitment, and property rental platforms. The platform emphasizes data privacy, secure account linking, and AI‑powered document extraction to streamline verification workflows for financial institutions and enterprises.
Smile publishes 32 API contracts indexed on the APIs.io network, including Accounts API, Archives API, Blacklists (Alpha) API, and 29 more. Tagged areas include Company, Employment Verification, Credit Scoring, KYC, and Fraud Prevention.
The Smile catalog on APIs.io includes 1 event-driven AsyncAPI specification, 1 JSON-LD context, and 1 Spectral governance ruleset.
Smile’s developer surface includes authentication, support, changelog, getting-started guide, documentation, and 19 more developer resources.
Kin Score
Standards implemented 1
Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.
APIs 32
Individual APIs this provider publishes, each with its own machine-readable definition.
Smile Accounts API
The Accounts API from Smile — 5 operation(s) for accounts.
Smile Archives API
The Archives API from Smile — 3 operation(s) for archives.
Smile Blacklists (Alpha) API
The Blacklists (Alpha) API from Smile — 2 operation(s) for blacklists (alpha).
Smile Consent Templates API
The Consent Templates API from Smile — 2 operation(s) for consent templates.
Smile Contributions API
The Contributions API from Smile — 2 operation(s) for contributions.
Smile Documents API
The Documents API from Smile — 2 operation(s) for documents.
Smile Employments API
The Employments API from Smile — 2 operation(s) for employments.
Smile Estimated Incomes API
The Estimated Incomes API from Smile — 2 operation(s) for estimated incomes.
Smile File Types API
The File Types API from Smile — 1 operation(s) for file types.
Smile Footprints (Alpha) API
The Footprints (Alpha) API from Smile — 2 operation(s) for footprints (alpha).
Smile Forms (Alpha) API
The Forms (Alpha) API from Smile — 2 operation(s) for forms (alpha).
Smile Identities API
The Identities API from Smile — 2 operation(s) for identities.
Smile Income Estimators (Alpha) API
The Income Estimators (Alpha) API from Smile — 2 operation(s) for income estimators (alpha).
Smile Incomes API
The Incomes API from Smile — 2 operation(s) for incomes.
Smile Insights API
The Insights API from Smile — 2 operation(s) for insights.
Smile Invite Templates API
The Invite Templates API from Smile — 2 operation(s) for invite templates.
Smile Invites API
The Invites API from Smile — 3 operation(s) for invites.
Smile Liabilities API
The Liabilities API from Smile — 2 operation(s) for liabilities.
Smile Links API
The Links API from Smile — 2 operation(s) for links.
Smile Maws (Alpha) API
The Maws (Alpha) API from Smile — 2 operation(s) for maws (alpha).
Smile Maws (Beta) API
The Maws (Beta) API from Smile — 4 operation(s) for maws (beta).
Smile Providers API
The Providers API from Smile — 2 operation(s) for providers.
Smile Ratings API
The Ratings API from Smile — 2 operation(s) for ratings.
Smile Signals (Alpha) API
The Signals (Alpha) API from Smile — 2 operation(s) for signals (alpha).
Smile Signals (Beta) API
The Signals (Beta) API from Smile — 4 operation(s) for signals (beta).
Smile Social Securities (Beta) API
The Social Securities (Beta) API from Smile — 2 operation(s) for social securities (beta).
Smile Tasks API
The Tasks API from Smile — 2 operation(s) for tasks.
Smile Tokens API
The Tokens API from Smile — 1 operation(s) for tokens.
Smile Transactions API
The Transactions API from Smile — 2 operation(s) for transactions.
Smile Users API
The Users API from Smile — 4 operation(s) for users.
Smile Verification API
The Verification API from Smile — 2 operation(s) for verification.
Smile Webhooks API
The Webhooks API from Smile — 2 operation(s) for webhooks.
Scroll for all 32
Agent Skills 3
Packaged agent skills for driving this provider's APIs from an AI assistant.
getsmileapi-create-and-view-user
AGENT SKILLgetsmileapi-manage-consent-templates
AGENT SKILLgetsmileapi-manage-webhooks
AGENT SKILLEvent Specifications 1
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Getsmileapi Webhooks
ASYNCAPISemantic Vocabularies 1
JSON-LD contexts and semantic vocabularies used across these APIs.
Getsmileapi Context
JSON-LDSpectral Rules 1
Spectral governance rulesets for linting and validating these APIs. Counts are the severity each rule declares, not results of running them.
Smile API Rules
SPECTRALJSON Schema 66
Standalone JSON Schema definitions for this provider's data models.
AccountExportGenerateRequest
JSON SCHEMAAccountExportGenerateResponse
JSON SCHEMAAccount Get Response
JSON SCHEMAAccount List Response
JSON SCHEMAAccount Get Payload Response
JSON SCHEMAAlpha Blacklist Get Response
JSON SCHEMAAlpha Blacklist List Response
JSON SCHEMAAlpha Blacklist Post Response
JSON SCHEMAAlphaBlacklist1PostRequest
JSON SCHEMAAlpha Footprint Get Response
JSON SCHEMAAlpha Footprint List Response
JSON SCHEMAAlphaFootprintPostRequest
JSON SCHEMAAlpha Footprint Post Response
JSON SCHEMAAlpha Maw Get Response
JSON SCHEMAAlpha Maw List Response
JSON SCHEMAAlphaMawPostRequest
JSON SCHEMAAlpha Maw Post Response
JSON SCHEMAArchive Classify Response
JSON SCHEMAArchiveCreateRequest
JSON SCHEMAArchive Create Response
JSON SCHEMAArchive Get Response
JSON SCHEMAArchive List Response
JSON SCHEMABeta Maw Get Response
JSON SCHEMABeta Maw List Response
JSON SCHEMABeta Maw Post Response
JSON SCHEMABetaMaw2PostRequest
JSON SCHEMABetaMaw3PostRequest
JSON SCHEMACommonResponse
JSON SCHEMAConsentTemplateCreateRequest
JSON SCHEMAConsentTemplateCreateResponse
JSON SCHEMAConsentTemplatesListResponse
JSON SCHEMAContribution Get Response
JSON SCHEMAContribution List Response
JSON SCHEMADocument Get Response
JSON SCHEMADocument List Response
JSON SCHEMAEnhanced Income Get Response
JSON SCHEMAEnhanced Income List Response
JSON SCHEMAEmployment Get Response
JSON SCHEMAEmployment List Response
JSON SCHEMAFileType List Response
JSON SCHEMAForm Get Response
JSON SCHEMAForm List Response
JSON SCHEMAIdentity Get Response
JSON SCHEMAIdentity List Response
JSON SCHEMAIncomeEstimator Get Response
JSON SCHEMAIncomeEstimator List Response
JSON SCHEMAIncomeEstimatorPostRequest
JSON SCHEMAIncomeEstimator Post Response
JSON SCHEMAIncome Get Response
JSON SCHEMAIncome List Response
JSON SCHEMAInsight Get Response
JSON SCHEMAInsight List Response
JSON SCHEMAInvitePostRequest
JSON SCHEMAInviteTemplatePostRequest
JSON SCHEMAInviteTemplateUpdateRequest
JSON SCHEMALiability Get Response
JSON SCHEMALiability List Response
JSON SCHEMALinkGetResponse
JSON SCHEMALinkListResponse
JSON SCHEMAProvider Get Response
JSON SCHEMAProvider List Response
JSON SCHEMARating Get Response
JSON SCHEMARating List Response
JSON SCHEMAschemas-SocialSecurityPostRequest
JSON SCHEMAVerificationCreateRequest
JSON SCHEMAWebhookPostRequest
JSON SCHEMAScroll for all 66
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access (API Evangelist recommendations) 1
Recommended x-agentic-access execution contracts for AI agents.
Resources
Get Started 1
Portal, sign-up, and the first successful call
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 8
Pagination, idempotency, versioning, errors, and events
Scroll for all 8
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 3
Authentication, authorization, and security posture
Operate 3
Status, limits, changes, and where to get help
Company 1
The organization behind the API
Other 2
Properties that don't map to a standard resource type
Source (apis.yml)
Smile API — frequently asked questions
Does Smile have an API?
Yes. APIs.io lists 32 APIs from Smile, including Smile Accounts API, Smile Archives API and Smile Blacklists (Alpha) API, and 29 more.
Is there an OpenAPI specification for the Smile API?
Yes. APIs.io indexes 32 OpenAPI specifications for Smile, each linked for download from this page.
How do I authenticate with the Smile API?
Smile uses bearer-token authentication (1 scheme). The details are profiled on APIs.io as Smile Authentication.
Is the Smile API ready for AI agents?
Smile has a Kin Score of 45.8 out of 100 (developing) and an Agent Readiness score of 29.8 (agent-ready), scored by API Evangelist on 2026-11-13.
Work with this as data
Every provider here is available over the APIs.io API and to AI agents over MCP.